Terms of Service and End-User Licence Agreement

Certo is a fintech app based in Rotterdam, the Netherlands. Address: Schiedamse Vest 154, 3011 BH Rotterdam, Netherlands.

Legal questions, complaints and claims: legal@certo.chat. Abuse and moderation: abuse@certo.chat.

App means the Certo iOS or Android application. Service means the App, website, Spaces, marketplace, communications, wallet interface and related Certo services.

Content means text, images, videos, audio, comments, reviews, listings and other material a user uploads, publishes or sends. Digital Assets means crypto-assets that a user controls through the non-custodial wallet.

Seller means a user who offers a physical good. Buyer means a user who buys or considers buying it. Content Policy means the current Content Policy and Acceptable Use Policy at https://certochat.com/en/legal/content-policy/.

You must be at least 18, legally able to enter into a contract and permitted to use the Service where you live. The Service is available in the EU.

You may have one personal account only. You must provide accurate information, keep it current and not let anyone use your account. You are responsible for activity carried out through your device or account unless mandatory law says otherwise.

Phone verification through Didit is required. Full know-your-customer verification, or KYC, is required before selling and for other higher-trust features. We may repeat verification when reasonably needed for security or compliance. False, borrowed or manipulated details may lead to refusal, restriction or termination.

Other users see only a reduced verified display name made up of your initials and surname. You agree to this display. Verification lowers risk but does not eliminate scams, fraud, bad conduct or identity misuse. Always assess a transaction yourself.

The Service combines verified identity, end-to-end encrypted one-to-one and group messages, WebRTC voice and video calls, a strictly non-custodial wallet, on-chain payments to an @handle or contact, and Spaces.

Spaces includes public profiles, posts, photos, videos, comments, likes, follows, reviews, a marketplace for physical goods and private buyer reputation shown only to Sellers. Prices may be displayed in EUR, USD or GBP, while settlement takes place in crypto.

Message and call content is end-to-end encrypted. Our server can see limited metadata needed to deliver the Service, but it cannot read the encrypted content. Calls use peer-to-peer WebRTC with DTLS-SRTP where technically possible.

There are no advertisements or behavioural tracking, and Certo does not sell personal data. Data handling is explained in the Privacy Policy.

Certo gives you a limited, personal, revocable, non-exclusive, non-sublicensable and non-transferable licence to install and use the App for its intended purpose, subject to these Terms and applicable store rules. The App is licensed, not sold. Certo and its licensors keep all rights not expressly granted.

You may not copy, sell, rent, distribute, reverse engineer, bypass security, derive source code from, modify or create derivative works from the App, except where applicable law does not allow that restriction or an open-source licence expressly permits it.

Private keys and the 12-word recovery phrase are generated and stored only on your device. They are never sent to Certo. Every transaction is signed on your device. Certo never has custody or control of your Digital Assets and cannot freeze, move or recover them.

You alone must secure your device, private keys and recovery phrase. Keep the phrase offline and secret. Certo will never ask you to reveal it. If you lose both access to your device and the recovery phrase, your assets may be lost permanently. Certo cannot reset the phrase, restore access or reverse the loss.

Deleting your Certo account or App does not change the blockchain and does not recover or transfer assets. Before deletion, make sure you can access the wallet independently or move your assets safely.

Payments are peer-to-peer, non-custodial, on-chain and normally irreversible. You must check the recipient, network, token, amount, fees and transaction details before signing. An @handle or phone contact can be wrong, compromised or reassigned. Certo cannot cancel a confirmed transaction or retrieve assets sent to the wrong person, address or network.

Network fees, confirmation times and finality are set by the relevant blockchain, not Certo. A displayed fiat value is an estimate and can change before settlement.

Digital Assets are volatile, may lose value quickly and may become worthless. Networks, tokens, smart contracts and market infrastructure can fail, be attacked, fork, change or become unavailable. You accept these risks and make your own decisions.

Certo does not provide investment, financial, tax or legal advice. Information in the Service is general product information only. Certo is not a bank or electronic money institution, does not accept deposits and does not provide a deposit guarantee or investor-compensation protection.

You are responsible for your own taxes, reporting duties and legal assessment. Consider independent professional advice where needed.

The Service depends on systems we do not control, including blockchain networks, RPC providers, Didit, internet and mobile networks, device operating systems, and Apple or Google push services. Their terms may also apply to you.

Outages, congestion, protocol changes, incorrect third-party data or service withdrawal can delay or prevent features. To the extent permitted by law, Certo is not responsible for a third party's outage, act or omission. This does not remove rights you may have directly against that third party or rights that cannot be limited.

You keep ownership of your Content and remain responsible for it. You confirm that you have the rights and permissions needed to use and share it.

For Public Content, you grant Certo a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, format, transmit, display and make the Content available only as needed to operate, secure, moderate and improve the Service and meet legal duties. This licence ends when the Content is deleted, except for reasonable technical backups, lawful evidence and copies shared by others that they have not deleted.

For end-to-end encrypted Content, the licence is limited to encrypted storage and transmission and the on-device processing needed to deliver features you request. Certo cannot read the plaintext. If you report specific encrypted Content, you may choose to disclose that item to Certo for review.

You also allow Certo to use a reduced version of your verified name as explained in Article 3.

The Content Policy is part of these Terms by reference. It applies to all users and Content. Certo has zero tolerance for objectionable content and abusive users.

Users can report posts, comments, profiles and product listings and can block abusive users. We review reported Content within 24 hours. We may remove Content, warn a user, limit features, or temporarily or permanently suspend an account. Where required, we give a statement of reasons. Users can use the internal appeal process and eligible users may choose certified out-of-court dispute settlement under the Digital Services Act.

The Content Policy explains the notice process, enforcement factors, appeals and contact points in full. If these Terms and the Content Policy conflict on content safety, the more protective safety rule applies.

Certo provides tools for Users to find each other, communicate and pay. Certo is not the Seller, Buyer, agent, auctioneer or party to the sale contract between Users. Certo does not inspect, own, store, deliver or guarantee goods unless we expressly say otherwise for a specific service.

There is no escrow. Payment goes on-chain from the Buyer's wallet to the Seller's wallet. Certo never holds the purchase price or other user funds. Verification and reputation can lower risk, but they do not guarantee identity, honesty, quality, delivery or payment.

A Seller must have the right to sell the physical good, describe it accurately, disclose defects and total price, deliver as agreed, comply with product-safety and recall rules, and pay applicable taxes. Prohibited goods in the Content Policy may never be listed.

A Seller acting in business must clearly identify that business status and comply with all mandatory EU and national consumer law. This includes pre-contract information, legal guarantees and, where applicable, the 14-day withdrawal right for distance contracts. A private Seller must not pretend to be a consumer to avoid business duties.

A Buyer must inspect the listing, Seller status, price, network and payment details. Nothing in these Terms removes mandatory consumer rights against a business Seller.

The Seller is responsible for delivery, returns, any legally required or agreed refund, and other legal remedies. Certo has no refund policy for user-to-user purchases because it never receives or holds the purchase price. Mandatory consumer law continues to apply between a business Seller and a consumer Buyer.

Because payments are irreversible and Certo provides no escrow, the Seller must send any legally required or agreed refund as a new on-chain transaction. The Seller and Buyer must agree the correct address, network, token, amount and fees. Certo cannot force, fund or reverse a refund.

Users should first try to resolve a sale dispute with each other. They may report fraud or prohibited goods to abuse@certo.chat. Certo may take account action, but does not decide private contract claims or guarantee recovery.

You must not use the Service for money laundering, terrorism financing, sanctions evasion, fraud, market manipulation or any other unlawful purpose. You must comply with applicable trade, financial-crime, tax and sanctions law.

You must not bypass phone verification, KYC, moderation, restrictions or security. You must not use false information, another person's identity or an account controlled for someone else.

Certo may refuse, restrict or end access to central Service features when reasonably necessary for compliance, security or investigation. Because the wallet is non-custodial, Certo cannot seize or move your on-chain assets. Legal restrictions may still affect your ability to use Certo interfaces or counterparties.

The App, brand, design, software and Certo materials belong to Certo or its licensors. These Terms do not transfer them to you.

If you believe Content infringes your rights, email legal@certo.chat with the work or right concerned, the specific Content and location, your contact details, the basis of your claim and a good-faith statement. We may ask for proof and may remove or restrict Content while reviewing the claim.

Protect your device, unlock method and account. Install security updates, review transaction details and contact legal@certo.chat promptly if you suspect compromise. Never share your recovery phrase.

You can delete your account in the App. We delete or anonymise account data that is no longer needed within a reasonable period. Account deletion does not erase blockchain records or Content held lawfully by other Users.

Encrypted KYC records are kept only for the legal retention period that applies, even after account deletion. When that period ends, we delete or anonymise them unless another legal duty requires longer retention. This limited retention overrides a deletion request only to the extent required by law and is consistent with the Privacy Policy.

We may maintain, secure, update, add, change or discontinue features. We aim to keep the Service available but do not promise uninterrupted or error-free operation. We give reasonable notice of material reductions where practical and respect mandatory EU consumer rights.

Future features, release dates and roadmaps describe plans, not guarantees. The Service is governed by the features actually available when you use it.

You may stop using the Service and delete your account at any time. Secure or move your Digital Assets first and keep your recovery phrase safe.

We may warn, restrict, suspend or terminate an account for a breach of these Terms or the Content Policy, unlawful activity, risk to Users or the Service, failed or false verification, sanctions or other compliance duties. We use proportionate measures where appropriate, but serious or repeated abuse can lead to immediate permanent termination.

Where required, we explain our decision and available appeal route. Termination ends the App licence and access to central features. It does not give Certo access to your assets or change completed blockchain transactions. Articles that by nature should continue, including ownership, risk, liability and disputes, survive.

We provide the Service with reasonable care and skill and honour any mandatory legal warranties. Except for rights that cannot be excluded, the Service is provided as available and we do not promise that it will always be uninterrupted, secure, accurate or suitable for every purpose.

Certo, not Apple or Google, is responsible for addressing claims about the App, including product-liability claims, claims that it fails to meet a legal or regulatory requirement, and claims under consumer-protection, privacy or similar law.

Nothing in these Terms excludes or limits liability where that is not allowed by Dutch or other mandatory law. This includes liability for intent or deliberate recklessness by Certo's management, death or personal injury caused by negligence where applicable, fraud, and mandatory consumer rights.

Subject to that rule, Certo is not liable for losses caused by your lost recovery phrase or keys, a transaction you signed, an incorrect recipient or network, Digital Asset volatility, another User, unlawful Content, or a third-party network or provider outside our reasonable control.

For business Users only, Certo is not liable for indirect or consequential loss, lost profit, revenue, opportunity, goodwill or data. Its total liability arising from the Service in any 12-month period is limited to the higher of the amount that business User paid Certo for the Service in that period and EUR 100, except where liability cannot legally be limited.

For consumers, liability is limited only to the extent permitted by mandatory law. Any remedy, price reduction or damages available under mandatory consumer law remains intact.

If you use the Service as a business, you will compensate Certo for reasonable losses, liabilities and external legal costs caused by your unlawful Content, unlawful goods, breach of these Terms, tax failure or infringement of another person's rights, to the extent you are responsible under applicable law.

This indemnity does not apply to consumers where it would remove mandatory rights, and it does not cover loss caused by Certo.

We may update these Terms for legal, security, product or operational reasons. We publish the new version and effective date and give reasonable advance notice of material changes. An urgent legal or safety change may take effect sooner.

Continuing to use the Service after the effective date means you accept the updated Terms only where this form of acceptance is valid. If mandatory EU consumer law requires express consent or gives you a termination right, we respect it. If you do not agree, stop using the Service and delete your account after securing your Digital Assets.

Dutch law governs these Terms, without removing protections you have under mandatory law in your country of residence.

The competent courts in Rotterdam, the Netherlands have jurisdiction, unless mandatory consumer law allows or requires you to bring or defend a claim in another court, including the courts of your place of residence.

Content-moderation appeals and DSA out-of-court settlement are described in the Content Policy. The former EU Online Dispute Resolution platform was discontinued on 20 July 2025 and no longer accepts complaints. Nothing prevents either party from using a court or another mandatory dispute route.

If a provision is invalid or unenforceable, the rest remains effective. The invalid part is applied as far as legally possible or replaced by a valid term with the closest lawful effect.

You may not transfer your account, licence or rights under these Terms without Certo's written consent. Certo may transfer these Terms as part of a merger, restructuring or sale, or to an affiliate, if this does not reduce mandatory consumer rights. We will give notice where required.

A delay in enforcing a right is not a waiver. These Terms, the Content Policy, Privacy Policy and any feature-specific terms form the entire agreement about the Service. If translated versions conflict, the English version controls only to the extent allowed by mandatory consumer law.

This Article applies when you obtain or use the App through Apple's App Store. If it conflicts with another part of these Terms, this Article controls for Apple-related matters.

• 1. Acknowledgement. This agreement is between you and Certo only, not Apple. Certo, not Apple, is solely responsible for the App and its content.
• 2. Scope of licence. Your licence is limited, non-transferable and permits use of the App on Apple-branded devices that you own or control, as allowed by the App Store Usage Rules. The App may also be accessed and used by accounts linked to the purchaser through Family Sharing or volume purchasing where those rules allow it.
• 3. Maintenance and support. Certo alone is responsible for maintenance and support for the App as stated in these Terms or required by law. Apple has no obligation to provide maintenance or support.
• 4. Warranty. Certo is responsible for applicable product warranties. If the App fails to conform to an applicable warranty, you may notify Apple and Apple will refund the App's purchase price. The App is free, so that purchase price is normally EUR 0. To the maximum extent permitted by law, Apple has no other warranty obligation. Certo is responsible for other claims, losses, liabilities, damages, costs or expenses caused by a warranty failure.
• 5. Product claims. Certo, not Apple, is responsible for claims by you or a third party about the App or its possession or use, including product-liability claims, legal or regulatory compliance claims, and consumer-protection, privacy or similar claims. These Terms do not limit Certo's liability beyond what applicable law permits.
• 6. Intellectual property claims. If a third party claims that the App, or your possession or use of it, infringes intellectual-property rights, Certo, not Apple, is responsible for investigating, defending, settling and resolving that claim.
• 7. Legal compliance. You represent and warrant that you are not located in a country subject to a US Government embargo or designated by the US Government as a terrorist-supporting country, and that you are not listed on a US Government list of prohibited or restricted parties.
• 8. Third-party terms. You must comply with applicable third-party terms when using the App, including your mobile-network or wireless-data agreement.
• 9. Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of this agreement. When you accept it, Apple has the right, and is deemed to have accepted the right, to enforce it against you as a third-party beneficiary.
• 10. Developer details. Certo is based at Schiedamse Vest 154, 3011 BH Rotterdam, Netherlands. Questions, complaints and claims about the App may be sent to legal@certo.chat.

Questions about these Terms can be sent to legal@certo.chat or by post to Certo, Schiedamse Vest 154, 3011 BH Rotterdam, Netherlands. Abuse reports should go to abuse@certo.chat.

By selecting the acceptance control during account creation or by using the Service after these Terms are presented to you, you confirm that you have read and accepted them.